BEN vs. PAYP: Franklin Templeton vs. PayPay Stock Comparison

Company Profile

Franklin Templeton (BEN) and PayPay (PAYP) both fall under the Financial Services industry group, but BEN is classified in Capital Markets while PAYP is classified in Financial Services.

Franklin Templeton (BEN) has been public since September 23, 1983, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Franklin Templeton (BEN) trades as ordinary local shares, while PayPay (PAYP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Franklin Templeton (BEN) has an aggressive beta of 1.52, indicating higher sensitivity to broad-market moves, while PayPay (PAYP) is defensive at 0.24 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Both BEN and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both Franklin Templeton (BEN) at 10.51% and PayPay (PAYP) at 18.80% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Franklin Templeton (BEN) at 11.42% and PayPay (PAYP) at 15.85% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both Franklin Templeton (BEN) at 14.61% and PayPay (PAYP) at 32.79% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Only one side can be read here: PayPay (PAYP) reports revenue growth of 25.85%, ranked against its industry; Franklin Templeton (BEN) has no revenue growth figure this period.

Both companies show strong earnings momentum, but PayPay (PAYP) at 230.06% is the standout with EPS growth above its industry range; Franklin Templeton (BEN) at 116.48% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Franklin Templeton (BEN) in Financial Services and PayPay (PAYP) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Franklin Templeton (BEN) in Financial Services and PayPay (PAYP) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

PayPay (PAYP) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Franklin Templeton (BEN) reports a yield of 4.10%, ranking against industry peers normally.

PayPay (PAYP) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Franklin Templeton (BEN) reports a payout of 89.12%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Franklin Templeton (BEN) at 17.12 and PayPay (PAYP) at 23.30 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while Franklin Templeton (BEN) at 1.84 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

Franklin Templeton (BEN) at 1.46 is valued about in line with its industry on P/B ratio, while PayPay (PAYP) at 3.75 carries an above-peer premium to book — PAYP is pricier on assets.

Valuation Metrics